Understanding insurance for cafes
Your cafe, protected with one simple policy
As a cafe or bistro much of your business might well be in serving hot and cold food, tea, coffee and other hot and cold beverages. But while that might be true of most cafes we fully understand that no two cafes are alike, with each cafe or bistro we cover having their own specific needs and requirements when it comes to their business insurance. You deal regularly with the general public, on a daily basis, which increases the possibility of risks occurring, so you’ll no doubt wish to ensure your cafes financial security with a comprehensive policy.
Our Cafe Insurance cover has been designed to allow you to add, remove, increase or decrease all areas of the policy. You can tailor your cafe insurance and bistro insurance to the exact way you want it; getting all of the essential cover you need in one business insurance policy.
What your cafe insurance policy includes
Public Liability cover
Public Liability insurance with various levels of cover is available for cafes with indemnity limits of £1m, £2m and £5m. This type of insurance for cafes and bistros provides protection in instances where a third party becomes hurt or injured whilst on your premises.
Product liability insurance for cafes
As a cafe you’ll be serving food and drink. Product liability insurance provides cover for instances where the goods you sell cause harm or bodily injury to your customers leading to a claim. Examples of this include a hot drink badly scolding a customer or a customer contracting food poisoning from food you’ve served them.
Employers Liability insurance
As an employer, it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees, whether permanent or temporary members of staff. Employers Liability cover is available at a standard level of £10m.
Contents and Stock cover for cafes
Contents and Stock cover can protect your stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment.
Legal Expenses cover
Legal Expenses will cover you if you have a legal dispute. These can be costly and stressful but having legal expenses cover will give you financial protection for your business.
Benefits of having cafe insurance
Running a successful cafe or bistro is highly rewarding, so when it comes to arranging cover it makes sense to consider all the options and policy covers available to you. Ultimately our specialists will look to understand your business and the risks it might face, you’ll then benefit from access to a wide and comprehensive range of cover options to give you peace of mind as you run your success cafe business.
At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your cafe.
Friendly speedy cover
When you’re considering taking out a policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.
Business interruption for cafes
Running a cafe and bistro can be challenging, so our business interruption cover for cafes has been designed to protect you from a loss income following an insured disaster. Two common insured disasters are fires and floods. Business interruption insurance helps get you and your business back on your feet.
Why choose The Insurance Octopus for Cafe Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for cafes - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Cafe Insurance FAQ's
Get the answers you're looking for
Why do I need insurance for my café?
When you run a café, you and your business are at risk from a variety of loses such as thefts, causing ill health from food poisoning, staff injury, fires and floods. If your business is unable to operate or you are held responsible for a claim against your café, the appropriate levels of insurance will provide the protection your business needs against these unfortunate events.
How much does café insurance cost?
Our café insurance cover has been designed to provide flexible options, so you only pay for the exact cover you need. If you need to remove or decrease specific areas of the policy which are not relevant to your business, this can be done quickly so you benefit from any potential savings. Here at The Insurance Octopus, we always aim to provide competitive insurance cover with a variety of flexible payment options, to make it as easy as possible for your business.
Can you cover my café for loss of income?
If your café is left unable to trade, business interruption insurance will provide cover against any loss of income as a result of an insurance claim. If your business suffers a loss or accident as a result of an insured incident, which leaves you being unable to trade you are likely to lose clients and income. This insurance will provide cover for any profits which could have been earned if the business had not sustained the loss.
How it works
Examples of Cafe Insurance in action
An allergic reaction
A cafe faced a legal bill running into thousands of pounds after a diner with an allergy to peanuts suffered from anaphylactic shock after eating a meal containing the ingredient that had not been properly marked on the menu. The Product Liability insurance that the restaurant had in place was able to cover the costs of court representation and other parts of the legal process that could otherwise have ruined the restaurants finances.